business customers

Transcription

business customers

Conversion Guide for
BUSINESS CUSTOMERS
Great things are happening for you and your business.
TABLE OF CONTENTS
WELCOME . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2
TRANSITION HIGHLIGHTS . . . . . . . . . . . . . . . . . . . . . . . 3
ACCOUNT SERVICES . . . . . . . . . . . . . . . . . . . . . . . . . . . 4
Business Account Product Changes. . . . . . . . . . . . . . . . . . . . . . .
Account Statements. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Existing Checks. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Electronic Payments and Deposits. . . . . . . . . . . . . . . . . . . . . . . .
Overdraft Privilege. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Reporting of ACH Addenda . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Returned Items and Stop Payments. . . . . . . . . . . . . . . . . . . . . . .
Deposit and Payment Deadlines. . . . . . . . . . . . . . . . . . . . . . . . . .
Business Debit Cards and ATM Network . . . . . . . . . . . . . . . . . . .
4
5
5
5
5
5
6
6
7
ONLINE BANKING SERVICES. . . . . . . . . . . . . . . . . . . . . . 7
Online Banking Security. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7
Business Online Banking (formerly known as the
Centennial Bank Online Banking Service) . . . . . . . . . . . . . . . . . 7
Access to Business Online Banking . . . . . . . . . . . . . . . . . 8
Features and Functionality. . . . . . . . . . . . . . . . . . . . . . . . 9
Online Bill Pay. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10
Mobile Banking. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11
NEW! Telephone Banking. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11
NEW! Text Banking. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12
MERCHANT SERVICES. . . . . . . . . . . . . . . . . . . . . . . . . 12
SWEEP SERVICES AND REPO. . . . . . . . . . . . . . . . . . . . 12
WIRE TRANSFER PAYMENTS. . . . . . . . . . . . . . . . . . . . 12
Wire Request . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Incoming Wires and Wire Advice. . . . . . . . . . . . . . . . . . . . . . . . .
New Wire Payment Instructions . . . . . . . . . . . . . . . . . . . . . . . . .
Wire Cutoff Times. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
12
12
13
13
NEW SERVICES. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14
ACH Fraud Filter . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
FedEDI ACH Reporting. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Business Credit Card Program. . . . . . . . . . . . . . . . . . . . . . . . . .
Business Solutions Banking Payments. . . . . . . . . . . . . . . . . . .
Retirement Plan Services . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Bank ATWORK . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
14
14
14
14
14
15
IMPORTANT DATES. . . . . . . . . . . . . . . . . . . . . . . . . . . 15
LOCATIONS AND INFORMATION. . . . . . . . . . . . . . . . . . 17
ABOUT HEARTLAND FINANCIAL USA, INC.. . . . . . . . . . 19
THANK YOU . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21
1 Conversion Guide for Business Customers
WELCOME TO CENTENNIAL BANK AND TRUST
Count on the same great personal relationship service — now with additional functionality.
Centennial Bank and Trust (CBT) is now part of Heartland
Financial USA, Inc. (For more information about Heartland,
see page 19 of this Guide.)
On June 10, 2016, we will begin the final step of conversion
to the updated systems and processes. We are working
together to bring you all the strengths of our combined
team, along with other key advantages that have made
Centennial Bank and Trust such a great place to bank.
The following pages will help you quickly identify
information needed to understand changes that might alter
the way you interact with our business services. In addition,
this Business Services Guide was created to provide:

Information about changes to some account products
and services.

Important dates that may require action on your part.
Included in this packet is the Business Deposit Accounts
booklet that provides the new Deposit Account Agreement,
Disclosures and fee schedule that will be effective June 13,
2016.
Centennial Bank and Trust will continue to be a communityminded bank with the interests of you—our customers,
shareholders and communities—at the forefront of our
values.
On behalf of every Centennial Bank and Trust and Heartland
employee, we extend our sincere appreciation for your
continued loyalty. We understand that anything new—even
something good—takes time to get used to, so thank you. It
is a privilege to serve you.
Sincerely,
James L. Basey
CEO
Steven E. Ward
President
James L. Basey, CEO and Steven E. Ward, President.
Centennial Bank and Trust
2
TRANSITION HIGHLIGHTS
Friday, June 10, 2016
Conversion weekend begins when online banking services become unavailable.
Centennial Bank mobile application (app) will be unavailable beginning at 11:00 a.m.
Centennial Bank Bill Pay will be disabled at 11:00 a.m.
The current Online Banking Service will be put in inquiry mode beginning at 4:00 p.m.

Saturday, June 11, 2016
All Banking Centers will be closed to facilitate our systems conversion processes.
The Customer Care Center will be open 8:00 a.m.–2:00 p.m. for questions or concerns
at 844.392.7796.

Monday, June 13, 2016
All Banking Centers will be open regular hours, with three additional locations to serve
you. Online banking services become available by 8:00 a.m.

Refer to the Important Dates section on page 15 for a
checklist of activities to help ensure a smooth transition.
ACCOUNT SERVICES
BUSINESS ACCOUNT PRODUCT CHANGES
This chart details how your current business account(s) with Centennial Bank and Trust will change with the system
conversion. The account service changes are effective Monday, June 13, 2016.
Complete information regarding the new account terms and fees are provided in the Business Deposit Accounts booklet
included with this mailing. It contains your Account Agreement, Disclosures and fee information.
ACCOUNT CONVERSION TABLE
YOUR CURRENT ACCOUNT
converts to
YOUR NEW ACCOUNT
DDA AND NOW ACCOUNTS
▶
▶
▶
▶
▶
▶
▶
▶
▶
Business Checking (200)
Premium Money Market (287)
MMA Public
▶
▶
▶
▶
▶
Business Checking with Interest and Loan/RediReserve (Line of Credit)
▶
Business Savings (600)
Business Analysis
Non Profit Analysis
COLTAF
Public Checking
PDPA with Interest
NOW Public
Business Checking
CARHOF
Business Checking with Interest
Business Interest Checking (230)
IOLTA (237)
Public Funds Checking (300)
Public Funds Interest Checking (330)
Public Funds Interest Checking (330)
Business Essentials Checking (407)
IBRETA (238)
Small Business Interest Checking (240)
SAVINGS AND MMDA ACCOUNTS
MMA Business
Relationship MMA Business
PDPA Savings
High Yield MMA Business
Public Fund Savings (700)
Premium Money Market Account Public Funds (387)
4
Account Statements. Account statements will have a new
look and continue to provide 12 check images per page.
There will be a special statement cut on June 10, 2016. If
you are on a month-end statement cutoff, you will receive
two statements for the month of June.
Closely review the first statement received after June 13,
2016, and notify our Customer Care Center at 844.392.7796
if you have any questions.
Existing Checks. Good news! Continue to use your
existing check stock. Your CBT routing number for check
transactions will not change. New check orders will be
updated automatically with the new name and logo.
Electronic Payments and Deposits. Electronic deposits
and payments will process without disruption. Continue
to use the CBT routing number for your ACH payment
instructions. Wire payment instructions will change
beginning June 13, 2016. Details are provided in the Wire
Transfer Payments section on page 14 of this Guide.
Recurring external transfers established outside of The
current Online Banking Service to transfer money to your
account at another bank will be converted and should
continue without interruption.
Overdraft Privilege. On June 13, 2016, all business
checking accounts, except IOLTA and IBRETA checking,
will have an Overdraft Privilege (ODP) limit of $750. More
information regarding the new ODP service is provided in
the Business Deposit Accounts disclosure booklet enclosed
with this Guide.
Posting Order. Payments will continue to post to your
account in the same order:
▶ ATM Transactions
▶ Debit Card Transactions (posted according to the time
the final authorization was processed).
▶ Wire Transfer
▶ ACH Items
▶ On-us Checks Presented for Cash
▶ Other Checks Presented for Payment
Checks will post in numerical order from lowest to highest
check serial number.
Reporting of ACH Addenda. Advice of ACH Addenda
information will be converted to reporting through the
Federal Reserve Bank’s FedEDI service. This is a new service
available to Centennial Bank and Trust business customers.
FedEDI will send an email notification when your designated
account receives a CTX, CCD+ or IAT transaction. The email
will contain a link to FedEDI, and within the online service
you will have the ability to print or download transaction
and addenda detail.
Some transactions may have a slightly different description on your account statement or
displayed through Business Online Banking (your new online banking service). If you have
questions about a transaction description, please contact your Banker or the Customer Care
Center at 877.280.1859.
If you would like more information about FedEDI, please
contact your Banker.
NOTE: If you receive healthcare ACH payments with an
addenda record, you will no longer receive the paper
notice after June 10, 2016.
We will provide you with the FedEDI service to receive the
addenda information associated with those payments.
If you need access to healthcare ACH addenda records,
contact your Banker or the Treasury Management Support
Center at 844.392.7796 to set up this service.
Returned Deposited Items. Beginning June 13, 2016,
all deposited items returned to your CBT account will be
charged back to the deposit account. We will continue to
process items on accounts with special instructions for
chargeback and redeposit, according to those instructions.
Stop Payments. The expiration of stop payment orders will
be six months, effective June 13, 2016. Stop orders on file
prior to this date will retain the five-year expiration.
DEPOSIT AND PAYMENT DEADLINES
Times listed are local time, Monday–Friday, normal
business days.
Account-to-Account transfers through
Business Online Banking . . . . . . . . . . . . . . . . 6:00 p.m.
Bill Pay Origination for
same-day processing . . . . . . . . . . . . . . . . . . . 2:00 p.m.
Incoming Wire posting cutoff . . . . . . . . . . . . . . 4:00 p.m.
Wire Origination offline via
phone with PIN . . . . . . . . . . . . . . . . . . . . . . . . 2:00 p.m.
Wire Origination in-person at
Banking Center . . . . . . . . . . . . . . . . . . . . . . . . 2:00 p.m.
Teller deposits: Deposits will continue to post for sameday ledger credit up to Banking Center closing.
6
IMPORTANT ACTION REQUIRED: Call CBT Customer Service at 303.680.1600 or your local
Banking Center to verify the phone number on file for your account. We will use this number in
our identity verification process when you log in to the new Business Online Banking service
beginning June 13, 2016.
Some transactions may have a slightly different description
on your account statement or displayed through Business
Online Banking (your new online banking service). If you
have questions about a transaction description, please
contact your Banker or the Customer Care Center at
844.392.7796.
Allpoint has more than 55,000 surcharge-free ATMs in
the United States, Canada, United Kingdom, Puerto Rico,
Australia and Mexico. Please visit www.allpointnetwork.
com to download a mobile app or find ATM locations.
ONLINE BANKING SERVICES
BUSINESS DEBIT CARDS
If you have (a) Visa® Debit Card(s) for your business to
access your deposit account(s), the daily withdrawal limits
may change.
Unless you are otherwise notified, beginning on June 13,
2016, the daily limit for an ATM withdrawal will be $500. The
daily limit for point of sale (POS) merchant transactions will
be $2,500. Contact your Banker to discuss other options if
you prefer different daily purchase limits on your card(s).
Debit cards with a savings account as the primary account
will be replaced with an ATM Card. If you wish to keep your
Debit Card, you will need to assign a checking account as
the primary account. Your Banking Center can assist you to
make these changes.
ATM NETWORK
The surcharge-free ATM network will be changing from
MoneyPass to the Allpoint® network beginning June 13,
2016. Debit and ATM cards will no longer be surcharge-free
with the Pulse, Cirrus, or MoneyPass ATMs after this date.
7 ONLINE BANKING SECURITY
Business Online Banking offers enhanced out-of-band
security to verify the identity of individuals accessing
account information.
On June 13, 2016, when you log in to Business Online
Banking, you will be asked to select either your business or
mobile phone number to receive an out-of-band voice or
text message to verify your identity. A verification code will
be sent to the phone number selected. This code is required
to complete the login process.
This out-of-band security code replaces the personal image
(watermark) and security questions used in The current
Online Banking Service.
BUSINESS ONLINE BANKING
(formerly the Centennial Bank Online Banking Service)
On Friday, June 10, 2016, the current online services will
be put in inquiry mode after 4:00 p.m., as we complete the
upgrade of our online banking and processing systems.
The NEW Business Online Banking system will be available
after 8:00 a.m. on Monday, June 13, 2016.
will be your username. Please call us at 844.392.7796
with any questions regarding online banking.
CBT’s new Business Online Banking provides you with new
and innovative features. We are committed to delivering
a richer online experience with more flexibility, reliability,
security and control.
4. Enter your new temporary password: Last four (4) digits
of your Social Security Number or TIN tied to your
primary business account.
ACCESS TO BUSINESS ONLINE BANKING
6. Enter your secure access code and register your personal
computer.
You will be able to log in to Centennial Bank and Trust’s
new Business Online Banking anytime after 8:00 a.m. on
Monday, June 13, 2016:
1. Go to CentennialBanking.com and click on the Login
box located on the home page.
2. Use the Business Online Banking section in the middle
of the login pop-up.
3. Enter your current username, which is case-sensitive.
NOTE: When entering your current Online Banking
ID, please use the unique username you set up, rather
than the 12-digit number (beginning with 8200). This
username would have been created by you, under
the Options tab.
5. You will be prompted to select how your secure access
code will be delivered (SMS text or voice call).
7. Change your password.
8. Read and accept the Terms and Conditions for Online
Banking.
9. You’re in! At this time you may set up any automatic
account alerts, future dated or external transfers you
had previously, as those will not be converted.
NOTE: Business Online Banking will retain more history
for your online access! In addition to the converted
history from May 1, 2015, history will continue to build
for up to 24 months.
As best practice, we encourage you to download your
history prior to June 10, 2016.
However, if you have always used this 8200 number
and did NOT set up a unique username, the number
8
HOW TO DOWNLOAD TRANSACTION HISTORY
Cleared Check Images. On June 13, 2016, you may not
have immediate access to cleared check image history. We
will build the check image history from May 1, 2015, to the
current date within 30–45 days after conversion.
As we continue to build the transaction and image history
available through Business Online Banking, you will have
access to 24 months of history—more than is currently
available through the current Online Banking Service.
The current service will be available in Inquiry Mode only
after June 13, 2016, for 30 days, allowing you access to
check images and eStatement history.
1. Log in to the current Online Banking Service.
2. When viewing your account, go to Transactions >
Download > Select Account, Date Range and Format.
Debit Card Functionality. Access to activate, reorder or
close a card through online banking will not be available
after June 10, 2016. These tasks can be efficiently handled
by contacting the Customer Care Center at 844.392.7796.
To report a lost or stolen card call 800.554.8969.
FEATURES AND FUNCTIONALTIY
eStatements. Though this is not a new service, you will
need to read and accept the eStatement disclosure after
your initial login to confirm your enrollment.
Alerts. Alerts are notifications sent to you when certain
events occur on your accounts. Your alerts will not be
converted.
Customers currently enrolled for eStatements will have
all accounts automatically enrolled for eStatement at
conversion.
Re-establish Alerts after your initial successful login on or
after June 13, 2016. When you set up the new alerts, you
may select to receive them as an SMS text message, phone
call or email.
eStatements help protect your financial data, are available
online for up to 24 statement periods and help to avoid fees
associated with a paper statement, if applicable. It is also
one of the most secure methods to receive your financial
data.
We also offer Security Alerts to help ensure your online
access is secure.
9 Protect your data and your business. If you’re not using
eStatements now, sign up through online banking after
conversion.
Export to Accounting Systems. Export account transaction
detail into current Quicken, QuickBooks, CSV or Excel
formats, which allows you to quickly create files for upload
into other financial management systems.
Customers using QuickBooks WebConnect to download
account transaction history from CBT will need to modify
QuickBooks settings.
NOTE REGARDING DIRECT CONNECT: CBT customers
will not be able to use Direct Connect to automatically
download information from Business Online Banking to
Quicken. We regret the inconvenience this may cause.
WebConnect or the export options discussed above can
be used in place of Direct Connect.
An instruction booklet is available on our website
(CentennialBanking.com/quicken-quickbooks) to guide
you through the update of QuickBooks settings. Contact
the Customer Care Center at 844.392.7796 if you are
a QuickBooks Online user and wish to use automated
account aggregation.
Loans. You will have the same functionality with regard to
viewing loan balances and loan activity.
Stop Payments. Online stop payment orders will not
be available after June 10, 2016, though we plan to reintroduce this functionality in the near future.
NOTE: The following will not convert from the current
system. You will need to re-establish these items in the
new system after you have logged in on or after June 13,
2016.
▶ Alerts
▶ Future Dated External Transfers
To assist in the setup process, Online Banking Video
Tutorials and a User Guide can be found on the website:
CentennialBanking.com under Small Business > Online
Banking and Payments, or contact our Customer Care
Center at 844.392.7796.
ONLINE BILL PAY
Prior
to June 10, 2016, we suggest you review any
bills due June 10-13, 2016, and consider making these
payments in advance.
18
months of bill pay history will convert to the new
system.
Payees,
addresses and recurring payments will also
convert.
Please know that every attempt will be made to properly
convert all your current payees. On Monday, June 13,
2016, we recommend reviewing all your payments and
payees to ensure all were converted properly. If any are
missing, you can re-establish them at this time.
New!
Bill Pay customers will now select the due date.
Items can be processed the same day (with a cut-off time
of 2:00 p.m.).
10
New!
eBills allow you to receive bills online and set up
automatic payments. You may enroll each eBill within
Online Banking beginning Monday, June 13, 2016.
Payees eligible for the eBill service will have a link under
the payee’s name when you view your list.
MOBILE BANKING
On Monday, June 13, 2016, download the new Centennial
Bank and Trust Savvy™ Mobile Banking application anytime
after 8:00 a.m.
Use the QR Code below or visit the Google Play Store™ or
Apple® App Store to download the app to your smartphone.
To find the app, search "Centennial Bank and Trust mobile".
MOBILE DEPOSIT
You will be able to continue to deposit checks via mobile
remote deposit. Eligible checks can be deposited up to 6:00
p.m. for credit to your business account the same business
day.
You may enroll your business for this new feature after the
conversion is complete on June 13, 2016.
After your successful login to Business Online Banking, you
can find the Mobile Deposit enrollment located under the
Services tab. You must download and install the Mobile
Banking App to utilize Mobile Deposit.
Limits applicable to the number of items or the amount
deposited may change effective June 13, 2016. After this
date if you feel the limits are not sufficient, please contact
your Banker or the Customer Care Center at 844.392.7796
to request a different limit.
CUSTOMER RESOURCES / ONLINE TUTORIALS
We have prepared tutorials for Online Banking, Bill Pay
and Mobile Banking to guide you through the transition to
Centennial Bank and Trust’s new Business Online Banking.
These can be found online at CentennialBanking.com after
June 13, 2016. Click “login” on the home page and select
“Demo & User Guide” in the Business pop-up box.
Phone Support: To speak with an Online Banking specialist,
contact the CBT Customer Care Center at 844.392.7796.
NEW! 24-HOUR TELEPHONE BANKING
Centennial Bank and Trust’s automated telephone banking
service will assist you with general account inquiries such
as balances, deposits, transfers, etc. This service provides
24/7 access to your account and will be available beginning
June 13, 2016, by calling toll-free at 888.215.0125.
When you access CBT Telephone Banking, you will be asked
to provide the business TIN or Social Security Number
(SSN) associated with your business account. You will then
be prompted to establish a new PIN.
NEW! TEXT BANKING
Receive instant account information by sending text-based
commands from your cell phone. Get account balances and
receive recent transaction history without logging in.
Utilize the new Text Banking feature by enrolling through
Business Online Banking after June 13, 2016.
MERCHANT SERVICES
There are no changes planned for our merchant services at
conversion.
SWEEP SERVICES AND REPURCHASE
AGREEMENTS.
No changes will be made to these services.
WIRE TRANSFER PAYMENTS
Wire Request. Individuals authorized by your business to
create wire payments will have the following options to
submit wire instructions:
Incoming Wires and Wire Advice. Incoming wires will be
processed for same-day credit until 4:00 p.m. A wire advice
is generated for each incoming wire posted to your account.
▶ Via phone using a PIN.
Your business will begin to receive wire advices in the
mail after June 13, 2016, for wire payments credited to
your account. Mailed advices are generated at the close of
business and mailed the next business day.
▶ If you desire to initiate a wire request via telephone,
you will need to complete and execute a Call-In Wire
Agreement.
▶ PINs will be issued to those authorized in the Call-In Wire
Agreement. Phone requests to initiate a wire will not be
accepted without a valid PIN.
▶ If you initiate wires on the phone currently and your
business has not completed a Call-In Wire Agreement,
please contact your banker.
▶ In-person at a CBT Banking Center. Requestors will need
to be authorized for your business account.
▶ If you currently initiate wire instructions via fax, email,
scan or letter, contact your Banker to discuss new
security procedures and options.
A more secure and efficient method of receiving this
information is available with the option to receive advices
through fax or email. These electronic advices are generated
immediately upon the wire memo-post to the account.
To register for this free service to receive electronic advice
notification and discontinue the mailed advice, contact
your Banker to complete the Wire Notification Options form.
NOTE: The Fed reference number associated with a
wire payment is not reported in the transaction detail
through online banking. The Fed reference number and
full payment detail is available on the Wire Advice.
12
WIRE CUTOFF TIMES
Offline outgoing wires
via phone with PIN
Submission deadline
2:00 p.m.
NEW WIRE PAYMENT INSTRUCTIONS
The payment instruction for directing a wire transfer deposit
to your account will change effective June 13, 2016. Domestic
and international wires will be processed through Dubuque
Bank and Trust (another Heartland bank) on behalf of
Centennial Bank and Trust. Please share these new payment
instructions with your vendors and trading partners.
DOMESTIC INCOMING WIRES
Effective June 13, 2016
Please provide these updated wire payment instructions
to your vendors to ensure prompt processing and posting
of incoming wire transfers to your business account:
Receiving Bank: . . . . . . . . . . . . Dubuque Bank and Trust Company - Dubuque, Iowa
Offline outgoing wires via fax,
or in-person at a Banking Center
Submission deadline
2:00 p.m.
Incoming wire posting
for same-day credit
Posting deadline
4:00 p.m.
Receiving Bank ABA #: . . . . . . . . . . . . . . . . . . 0739 0053 5
Beneficiary Bank Name: . . . .Centennial Bank and Trust
Beneficiary Name: . . . . . . [Your business account name]
Beneficiary Address: . . [Your business account address]
Beneficiary Account #: .[Your business account number]
Incoming wires for CBT are routed through Dubuque Bank
and Trust (a Heartland bank). By identifying CBT as the
Beneficiary Bank, it will ensure it is routed and processed
correctly.
INTERNATIONAL INCOMING WIRES
Effective June 13, 2016
When your business negotiates to receive a payment in
U.S. Dollars from a foreign country, provide the following
instructions to the sender:
Receiving Bank: . . . . . . . . . . . . Dubuque Bank and Trust Company - Dubuque, Iowa
SWIFT: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .DUBTUS44
Beneficiary Bank: . . . . . . . . . Centennial Bank and Trust
Beneficiary Name: . . . . . . [Your business account name]
Beneficiary Address: . . [Your business account address]
Beneficiary Account #: .[Your business account number]
When your business receives funds from outside the U.S.
in a foreign currency, contact your Banking Center for wire
instructions specific to the foreign currency type.
13 NEW SERVICES
We are excited to introduce new services to improve your
business banking experience with Centennial Bank and
Trust. You will have access to these services after June 13,
2016.
ACH Fraud Filter. An uncomplicated way to protect your
account against unauthorized ACH activity. You can decide
if you want to block:
▶ All ACH transactions,
▶ All ACH Credits,
▶ All ACH Debits or
▶ Establish the allowance of specific
transactions to post to your account.
authorized
After you have established the parameters to block
ACH activity on your account, ACH Fraud Filter works
automatically to return items without your intervention.
FedEDI ACH Reporting. Provides detailed transaction
information on CTX, CCD+, IAT and ACH return items
received to your account. When your designated account
receives one of these ACH types, FedEDI will send an
email notification. The email will contain a link to FedEDI,
and within the online service you can print or download
addenda detail on received transactions.
Business Credit Card Program. A new business credit
card program is available to help your business optimize
cash flow. This can add 25-55 days to your payables cash
cycle and pay no interest when you pay your balance in full.
There is no annual fee to use our card, and your business
earns reward points on qualifying purchases. GoToMyCard.
com provides no cost online access and eStatements.
Business Solutions Banking – more payment options.
In addition to the Business Credit Card program and
Business Bill Pay, our Solutions Banking provides access
to person-to-person payments, tax payments and payroll
direct deposit. More payment options for day-to-day cash
management of your business.
Retirement Plan Services2. Retirement plans should
reflect and serve the people and goals of your organization.
We build plans based on the needs of your company and
your people—and are willing to handle complex or unusual
plan designs and investment alternatives. Our hands-on
approach enables creative solutions for complex issues.
2
Products offered through Heartland Retirement Plan Services are not FDIC insured, are not bank
guaranteed, and may lose value.
14
Bank ATWORK. This turnkey employee banking program
allows employers the opportunity to offer a suite of
discounted financial services as part of their employee
benefits package. Our program focuses on employee
financial wellness through education and personal
assistance to reach financial goals.
On Friday, June 10, 2016
Please contact your Business Banker or local CBT Banking
Center for more information on any of these new services.
▶ All payment requests, including check image deposits
must be received by the normal deadline for same-day
processing.
IMPORTANT DATES
▶ A special statement will be produced after all processing
is complete Friday evening, June 10, 2016. This statement
Keep this checklist of events and tasks to help guide you
through the transition activities.
Prior to June 8, 2016
As best practice, we recommend to:
▶ Download and save bill payment history.
▶ Download and save account transaction detail from the
current Online Banking Service.
15 ▶ Schedule any necessary bill payments before 11:00 a.m.
when the system will be placed in inquiry mode. Bill pay
functionality will return after 8:00 a.m. on June 13, 2016.
▶ The current Online Banking Service will be unavailable
beginning at 6:00 p.m.
period will be June 1-10, 2016, or since your last statement
through June 10, 2016. A new statement period will begin
June 13, 2016.
On Saturday, June 11, 2016
All CBT Banking Centers will be closed to facilitate the
systems conversion.
On Monday, June 13, 2016
▶ Accept the eStatement terms and enroll in eStatements
for any accounts you still receive a paper statement.
▶ Enroll in Mobile Banking and download the CBT Savvy™
Mobile Banking app to access your account(s) and
deposit checks with your smartphone.
▶ Schedule recurring transfers and set up alerts.
▶ Review your Bill Pay payments and payees for accuracy.
▶ Sign up for eBills.
▶ All CBT Banking Centers will be open regular business
hours.
▶ Online systems become available after the open
of business. Sign in to Business Online Banking at
CentennialBanking.com after 8:00 a.m.
16
LOCATIONS AND INFORMATION
MORE BANKING CENTERS
Your banking center network will grow from 14 to 17 locations. Beginning June 13, 2016, you will have access to any of these
banking centers.
BANKING CENTER LOCATIONS
Boulder
2500 Broadway
Boulder, CO 80304
720.873.3787
Lobby Hours
9:00 a.m.–5:00 p.m. Mon.–Fri.
Breckenridge
116 Lincoln Avenue
PO Box 6520
Breckenridge, CO 80424
970.453.4700
Lobby Hours
8:30 a.m.–5:00 p.m. Mon.–Fri.
Broomfield
2002 East Coalton Road
Broomfield, CO 80027
303.460.4700
Lobby Hours
9:00 a.m.–5:00 p.m. Mon.–Fri.;
9:00 a.m.–Noon Sat.
Drive-Up
8:30 a.m.–5:30 p.m. Mon.–Fri.;
Conifer
26679 Pleasant Park Road
Conifer, CO 80433
303.838.3070
Lobby Hours
8:30 a.m.–5:00 p.m. Mon.–Fri.;
Drive-Up
7:30 a.m.–5:30 p.m. Mon.– Thur.;
7:30 a.m.–6:00 p.m. Fri.;
Downtown Denver
717 17th Street
Suite 100
Denver, CO 80202
303.680.1600
Lobby Hours
8:30 a.m.–5:00 p.m. Mon.–Fri.
Edwards
105 Edwards Village Boulevard
Suite D107
PO Box 4640
Edwards, CO 81632
970.569.3633
Lobby Hours
8:30 a.m.–5:00 p.m. Mon.–Fri.
Golden
770 Heritage Road
Golden, CO 80401
303.216.9999
Lobby Hours
8:30 a.m.–5:00 p.m. Mon.–Fri.
Drive-Up
8:00 a.m.–5:30 p.m. Mon.–Fri.
Englewood
209 West Hampden Avenue
Englewood, CO 80110
720.387.7576
Lobby Hours
8:30 a.m.–5:00 p.m. Mon.–Fri.
Idaho Springs
1744 Miner Street
PO Box 3309
Idaho Springs, CO 80452
303.567.2696
Lobby Hours
8:30 a.m.–5:00 p.m. Mon.–Fri.
Drive-Up
8:30 a.m.–5:00 p.m. Mon.–Thur.;
8:30 a.m.–5:30 p.m. Fri.
Erie
199 South Briggs Street
Erie, CO 80516
303.439.4888
Lobby Hours
9:00 a.m.–5:00 p.m. Mon.–Fri.;
Drive-Up
8:30 a.m.–5:30 p.m. Mon.–Fri.;
Evergreen
1248 Bergen Parkway
Evergreen, CO 80439
303.670.3200
Lobby Hours
8:30 a.m.–5:00 p.m. Mon.-Fri.;
Drive-Up
8:00 a.m.–5:30 p.m. Mon.–Fri.;
Larkridge
16501 Washington Street
Thornton, CO 80023
303.439.4800
Lobby Hours
9:00 a.m.–5:00 p.m. Mon.–Fri.
Drive-Up
8:30 a.m.–5:30 p.m. Mon.–Fri.
Nederland
26 South Highway 119
PO Box 69
Nederland, CO 80466
303.258.7071
Lobby Hours
8:30 a.m.–5:00 p.m. Mon.–Fri.;
9:30 a.m.–11:30 a.m. Sat.
Drive-Up
8:30 a.m.–5:30 p.m. Mon.–Fri.;
9:30 a.m.–11:30 a.m. Sat.
BANKING CENTER LOCATIONS (CONT.)
Southeast Denver
13700 East Arapahoe Road
Centennial, CO 80112
303.680.1600
Lobby Hours
8:30 a.m.–5:00 p.m. Mon.–Fri.
Drive-Up
8:00 a.m.–5:00 p.m. Mon.–Fri.
Steamboat Springs
635 Marketplace Plaza
Steamboat Springs, CO 80487
970.870.9990
Lobby Hours
9:00 a.m.–5:00 p.m. Mon.–Fri.
Drive-Up
8:30 a.m.–5:30 p.m. Mon.–Fri.
Vail
2111 North Frontage Road West
Suite A
Vail, CO 81657
970.855.0570
Lobby Hours
8:30 a.m.–5:00 p.m. Mon.–Fri.
Winter Park / Fraser
77699 US Highway 40
PO Box 2499
Fraser, CO 80442
970.722.0600
Lobby Hours
8:30 a.m.–5:00 p.m. Mon.–Fri.
Drive-Up
8:30 a.m.–5:00 p.m. Mon.–Thurs.;
8:30 a.m.–6:00 p.m. Fri.
Banking Centers
18
ABOUT HEARTLAND FINANCIAL USA, INC.
▶ Trust, investment management and financial planning,
offered through Wealth Advisory Services1.
Like Centennial Bank and Trust, Heartland Financial USA,
Inc. banks specialize in commercial banking with a strong
commitment to consumer banking, which positions us
to serve ALL our customers’ financial needs. We believe
a focus on relationship banking is good for both you and
the bank. By cross-serving our customers with everything
they need, we become a valuable partner and in a better
position to assist with reaching financial goals.
▶ Customized 401(k), 403(b) and Profit Sharing Plans
offered through Heartland Retirement Plan Services2.
Founded in 1981, Heartland is an $8 billion multi-bank
holding company, offering uniquely different banking
solutions for business and personal clients. Heartland’s
independent community banks are chartered in the
states of Iowa, Illinois, Wisconsin, New Mexico, Arizona,
Montana, Colorado, Minnesota, Kansas, Missouri, Texas
and California, with a total of 108 banking locations serving
85 communities. The company also has loan production
offices in California and Nevada. Other business lines
include:
The Heartland vision is to differentiate itself by highlighting
its uniqueness as a commercial banking organization
supported by a strong retail delivery system. As one of the
top 95 bank holding companies nationwide, Heartland
delivers high-quality financial products and services.
▶ Home mortgage lending.
▶ Business Credit Card, Commercial Card (Purchasing
Card, Corporate Card, Gas Card), and Electronic
Accounts Payable (EAP) offered through Commercial
Card Payment Solutions.
Heartland’s common stock is traded through the NASDAQ®
Global Select Market System under the symbol “HTLF.”
1
Products offered through Wealth Advisory Services are not FDIC insured, are not bank guaranteed,
and may lose value.
2
Products offered through Heartland Retirement Plan Services are not FDIC insured, are not bank
guaranteed, and may lose value.
20
Through excellence in customer service and
Thank you!
Thanks for giving us this opportunity to serve you.
As you can see, Centennial Bank and Trust has a lot to offer.
If you have any questionsabout anything you have read or would like
more information, please call or visit your local Banking Center.
You may also call the CBT Customer Care Center at 844.392.7796
Monday–Friday, 7:00 a.m.–6:00 p.m.
We appreciate your business and look forward to bringing you a
smooth transition to the new banking opportunities you’ll find at
Centennial Bank and Trust.
respect for the individual, everyone profits.
—Centennial Bank and Trust
22

business customers

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